Featured Item:

Rural Theft

Theft and burglaries occur more often than you might think. On average there are approximately 54,000 reported burglaries in New Zealand every year - that's one every 10 minutes. Find out how you can minimise theft on your property.
Read more >

What We Cover

Employee House

Cover for your employee house including garages, sheds, gates, fences, patios, tennis courts, driveways and pools. With extra benefits just for employee houses.

What we cover

The FMG Employee House policy automatically includes these covers and benefits.

Accidental loss

Covers your employee house if it’s damaged or destroyed by a sudden, unintended and unforeseen event. There's also the option of limiting your accidental loss cover to defined events noted in the policy. Check out the policy wording for a list of what these events are.

Liability

Up to $1,000,000 cover for your legal liability if you accidentally damage someone else’s property, or accidentally injure someone, excluding an employee or tenant, at your property only.

Temporary accommodation for employees

If your employee house is tenanted by one of your employees and can’t be lived in due to loss covered by this policy, we’ll pay up to $20,000 for temporary rehousing. This applies if accommodation is included in your employee’s contract; higher amounts of cover are also available.

Gradual damage

We’ll pay up to $5,000 for gradual damage to your employee house. This is hidden damage that’s caused over time by a leaking internal waste or water pipe installed at your home.

Inflation protection

We will review your sum insured amount at renewal and may make an adjustment for inflation.

Landlords Contents

We'll pay up to $10,000 for contents that you leave in your employee house. The amount is in addition to the total sum insured.

Landscaping

If we’ve accepted a claim for your employee house and your lawn, flowers, trees or shrubs were damaged as well, then we’ll pay up to $5,000 to restore them.

Locks and keys

If your keys are lost or stolen we'll pay to replace them and you won't need to pay an excess. This also covers devices you use to enter your property like electronic access cards and remote door openers.

Natural disaster

Your employee house is covered for damage caused by an earthquake, volcanic eruption, tsunami, hydrothermal activity or landslip. This is a ‘top up’ to cover provided by EQC.

Post Event Inflation

If there has been a natural disaster, flood or storm and the cost of to rebuild your employee house has increased due to an increase in demand we may increase the cover available by 10%, if your home is insured for nominated replacement value.

Removal of debris – fallen trees

If we’ve accepted a claim for damage to your employee house caused by a fallen tree we’ll cover up to $1,000 for removal and disposal of the tree.

Replenishment costs - fire fighting equipment

Cover up to $5,000 towards the cost of refilling your fire fighting equipment after it’s been used to protect your employee house from loss covered by this policy.

Retaining walls

We’ll cover up to $20,000 to repair or replace your retaining walls following an accidental loss. This sum is included in the total amount of cover available for your employee house.

Septic tanks

If you’ve had a claim on your home and your septic tank wasn’t damaged but has to be rebuilt or replaced to connect to the employee house, we’ll pay the reasonable costs of completing this work.

Sprinkler installation

If your employee house is covered for Replacement and is being rebuilt following a total loss, we’ll pay up to $10,000 to install a sprinkler system if you didn’t already have one.

Terrorism

Cover for accidental loss caused by terrorism, so long as it’s not connected with nuclear, biological, or chemical weapons or contamination.

Forest and rural fires

Covers your legal liability and defence costs, up to $1,000,000, for costs awarded against you under the Forest and Rural Fires Act 1977.

Hazardous substances

Up to $5,000 cover for legal liability costs associated with a hazardous substances emergency at your section.

Unlawful substances

Up to $25,000 for the costs of decontaminating rooms in your employee house that are contaminated by methamphetamine which exceeds the Ministry of Health Guidelines or Standards.

Innkeepers Act liability

Cover for up to $100,000 for your legal liability under the Innkeepers Act 1962, for loss at your property.

Optional extras

You can purchase this Optional Benefit for even more comprehensive insurance.

Lifestyle block fencing

Insures fencing or windbreaks used just for operations on your lifestyle block, cover is for present day value up to $5,000.

Lifestyle block pumps and motors

Pumps and motors used to service your lifestyle block are insured against breakdown or failure. We will pay up to $5,000.

Matching floor coverings

If your carpet or other floor coverings need replacing after loss covered by this policy, and you can’t find a match for what you have in other rooms, then we’ll replace the lot.

Excess free glass

If your claim is for damage to glass doors, windows or skylights, hand basins, baths, toilet bowls or glass shower doors you won't have to pay an excess.

What we pay

FMG provides three levels of cover – Nominated Replacement, Replacement, or Present Day Value. All insurance is subject to FMG’s standard underwriting criteria.

Nominated Replacement

Covers the reasonable cost to repair or rebuild your employee house to an as new condition, limited to the amount shown on your certificate (the sum insured).

Replacement

Covers the reasonable cost to repair or rebuild your employee house to an as new condition, limited to the area in square metres shown on your certificate.

Present Day Value

Covers the reasonable cost to repair or rebuild your employee house to the same condition it was in before the loss, up to the sum insured. This option takes into account the age and condition of the home.

Replacement, Capped to the Sum Insured for Natural Disaster

This cover offers Full Replacement up to the SQM shown on the certificate, except in the case of Natural Disaster, where the cover is capped at the sum insured shown on the certificate.

Download policy

Please note this is only a summary of the product and is subject to our specific product documentation. For full details please download the policy wordings using the links below, or you can get a free copy by calling us on 0800 366 466.